This week’s episode is a conversation I’ve been wanting to have with you for a while.

There’s this belief that you need to be brilliant, sophisticated, or somehow ready before you can make strong decisions about your money. I want to shift that, because you already have everything you need to begin.

Money doesn’t have to feel heavy or confusing. It can feel steady. Supportive. Even empowering. And the way you get there isn’t through complicated strategies it’s through the fundamentals.

In this episode, we go back to basics and talk about the five foundations that change how money feels in your life:

You’ll hear why investing is about giving your future options, not being an expert. How intentional spending creates steadiness instead of guilt. What it really means to step into adulthood with money and trust yourself. Why simple systems reduce stress more than any budget ever could. And how building a cash cushion changes the way you handle life’s surprises.

This is not about becoming someone different. It’s about recognising that you can be calm, clear, and capable with money - starting exactly where you are.

If this episode resonates, take one small step today. That’s how momentum begins.

And if you want support building these foundations in your own life, you know where to find me.

Understand how hidden emotions about money show up in business decisions, why success requires trust in your money, and how to create a healthier, more grounded relationship with it. Phoebe walks through five steps you can start immediately to reduce anxiety, increase clarity, and expand your capacity to earn and receive.

You don’t need to obsess over money to be successful, but you do need a relationship with it that is honest, respectful, and supportive.

If this episode resonated, follow Phoebe on Instagram for daily money insights and join the Happy Money Society’s free basic plan to keep building your confidence with money.

00:00 Why You Need to Like Money to Succeed (The Honest Confession) 01:28 Money Trust Issues: How Resentment Shows Up in Business 03:53 Step 1 — Awareness: Notice Your Real Money Emotions 05:53 Step 2 — Respect: Give Every Dollar a Job 07:45 Step 3 — Safety: Stop Self-Sabotage & Build Money Confidence 10:36 Step 4 — Connection: Link Money to Your Values & Life Vision 12:37 Step 5 — Appreciation: Gratitude That Improves Decisions 15:11 Wrap-Up: The 5-Step Recap + Where to Learn More

As we get older we stop thinking we will be fine in retirement and start to pay attention! Today we share the secrets to retireing well...because high income doesn’t automatically equal long-term security.

In this episode, Phoebe takes a strategic, grown-up look at what retirement readiness actually means for women over 50 especially those who’ve been busy building careers, businesses, and families while quietly outsourcing their future.

This is not a financial planning session. It’s a clarity session.

We talk about housing security, superannuation realities, tax structures, generational wealth, and the hidden risks that catch even successful women off guard.

If you’ve ever thought, “I really should understand this better” this episode is for you.

• Why housing security matters more than your super balance • The difference between earning well and being financially secure • How super actually works — and why drifting is expensive • What “concessional”, “carry-forward”, and “Division 293” really mean • Why many high-income women underuse the system • How risk and investment choices shape long-term outcomes • The importance of having money outside super • Why inheritance should never be your retirement plan • What changes when you’re already financially comfortable • How to take strategic ownership without becoming an expert • The questions every woman should be able to ask her adviser

You don’t need to manage your own investments, but you do need to understand your position.

Outsourcing your future completely is not a strategy.

Clarity, structure, and informed decision-making are what protect your freedom later in life.

• Australian Taxation Office (ATO) — Super rules and contribution limits • ASIC MoneySmart — Retirement calculators and guidance • ASFA Retirement Standard — Lifestyle benchmarks • Services Australia — Age Pension information